Author
As an Editorial Consultant for BW Businessworld, Aniruddha writes independently on investor awareness, correct financial planning & investing practices and the impact of regulatory developments on the personal finance ecosystem. He holds an MBA with distinction from Oxford.
With the Sensex cracking over 500 points and decisively giving up the important psychological mark of 60,000 – it begs the question of whether a deeper cut is in store in case Paytm’s dismal listing sparks off a sudden about turn in sentiment.
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It’s not uncommon for us to fixate on an arbitrary number (for example, 1 crore or 5 crore) and make that our retirement planning target. Our savings amounts tend to be unstructured as well. This is an incorrect approach. Ideally, you must sit down with a financial planner and do the math to arrive at a more planned corpus target.
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Most investors (and their advisers) remain relatively confused on when to rebalance their portfolios and tweak their asset allocation between high-risk assets (such as stocks and equity mutual funds) and low-risk assets (such as bonds, debt funds and fixed deposits).
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The majority of us would have never consulted with a real financial planner in our lives, preferring to rely on half-baked advice from our Chartered Accountants – or worse, our Life Insurance agents.
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It’s almost a cliché, but it warrants repetition – create a personal budget. A monthly budget is the cornerstone of any good financial plan.
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Having a goal plan in place will take away much of the unease, and help you build a sense of comfort and security about your financial future.
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Once you’ve got your answer, refer to the ready reckoner below and you’ll find yourself having a lot more clarity than before.
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For a retired person, an SWP strategy definitely trumps the approach of relying on unsteady, tax inefficient dividends for your monthly income.
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Long-term compounding works in mysterious ways, and it’s important that you understand it.
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Stay away from the crypto exchanges. Somehow, they do not appeal to good old common sense. There’s bound to be a very hard landing in store for the so-called investors who are throwing the kitchen sink at cryptocurrencies. When? Only time will tell.
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